CN109872239A - Mutually protect method for processing business, device, equipment and computer readable storage medium - Google Patents
Mutually protect method for processing business, device, equipment and computer readable storage medium Download PDFInfo
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- CN109872239A CN109872239A CN201811534714.5A CN201811534714A CN109872239A CN 109872239 A CN109872239 A CN 109872239A CN 201811534714 A CN201811534714 A CN 201811534714A CN 109872239 A CN109872239 A CN 109872239A
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Abstract
Method for processing business, device, equipment and computer readable storage medium are mutually protected the invention discloses a kind of, this method comprises: providing the block chain network being made of multiple nodes, the block chain network stores the nodal information of the multiple node；The compensation requests issued by least one of the multiple node are received, when compensation requests audit passes through, indemnity is distributed to each node in the block chain network, deducts the indemnity of each node and record the indemnity information.Solve the problems, such as through the above scheme due to premium manage it is opaque caused by premium using when carry out fraud imitation behavior, reach improve the insured's premium guarantee dynamics technical effect.
Description
Technical field
The present invention relates to insurance business technical fields, and in particular to a kind of mutually to protect method for processing business, device, equipment and meter
Calculation machine readable storage medium storing program for executing.
Background technique
Mutual protect is mutual insurance, is a kind of individual or group to certain risk with same guarantee requirement, takes cooperation
The organizational form of mutual assistance meets all members to the insurance forms of insurance cover demand.It specifically refers to homogeneity risk guarantee
The unit of demand or individual, by settle a bargain become member, and pay premium formed mutual fund, by the fund to contract about
Loss caused by fixed accident occurs is born the responsibility to pay compensation, or when insurant's die, injured or disabled, suffer diseases or reaches contract about
The insurance activity of payment insurance money responsibility is undertaken when the conditions such as fixed age, time limit.
Existing mutual guarantor's business is usually initiated by third party, and the user for participating in mutually protecting pays certain premium, by third party
All premiums are managed, when any mutually warranty family generates reparation, deduct indemnity from the premium.
Since mutually the business of protecting is related to multiple users' participations, the user compensated may be more, and third party manages the guarantor
It is time-consuming, the use of premium is not recorded in detail.Therefore, the premium that user uses not can be traced, and capital management is opaque,
It may cause premium and use and there is fraud imitation behavior.On the other hand, for raising the user that mode is mutually protected using crowd, due to
User raises money, and process is not traceable to be caused to may cause the difficult problem of later period refund.
In view of the above-mentioned problems, currently no effective solution has been proposed.
Summary of the invention
Method for processing business, device, equipment and computer-readable storage medium are mutually protected the purpose of the present invention is to provide a kind of
Matter, and then the user in the presence of the existing mutual guarantor's business procession of solution not can be traced using premium, capital management is impermeable
Bright, premium use the problem of there may be fraud imitation behaviors, reach that premium is traceable, premium use information is anti-tamper, pole
The big technical effect for reducing imitation behavior.
The present invention is to solve above-mentioned technical problem by following technical proposals:
According to an aspect of the invention, there is provided a kind of mutually protect method for processing business, include the following steps:
The block chain network being made of multiple nodes is provided, the block chain network stores the node letter of the multiple node
Breath；
The compensation requests issued by least one of the multiple node are received, when compensation requests audit passes through
When, indemnity is distributed to each node in the block chain network, the indemnity of each node is deducted and records
The indemnity information.
In one embodiment, each participant of mutual guarantor's business corresponds to an authorization in the block chain network
Node；The participant includes: at least one insurance company, at least one insurer and at least one insurant.
In one embodiment, the nodal information includes: information of insuring corresponding with the participant；The letter of insuring
Breath includes: premium.
In one embodiment, the audit of the compensation requests is realized by third party's service, alternatively, the reparation is asked
It asks and is audited by the block chain network.
In one embodiment, each node distribution indemnity in the block chain network includes: average
It distributes the indemnity, distribute the indemnity according to preset weighted value, or according to the premium distribution insured
Indemnity.
In one embodiment, mutual guarantor's method for processing business further include:
Crowd is raised user as crowd to raise in the node addition block chain network, records the node letter that the crowd raises node
Breath；
When generation crowd raises refund, user's refund is raised to the crowd according to the nodal information that the crowd of the record raises node.
According to another aspect of the present invention, a kind of mutually guarantor's business processing device is provided, comprising:
Block chain network provides module, for providing the block chain network being made of multiple nodes, the block chain network
Store the nodal information of the multiple node；
Module is compensated, for receiving the compensation requests issued by least one of the multiple node, when the reparation
When request audit passes through, indemnity is distributed to each node in the block chain network, deducts the compensation of each node
Indemnity volume simultaneously records the indemnity information.
In one embodiment, mutual guarantor's business processing device further include:
Crowd raises nodes records module, raises in the node addition block chain network for crowd to be raised user as crowd, record
The crowd raises the nodal information of node；
Crowd raises refund module, for when crowd occurring raising refund, according to the crowd of the record raise the nodal information of node to
The crowd raises user's refund.
According to a further aspect of the invention, a kind of computer equipment, including memory and processor are provided, wherein
The processor is for the step of executing the above method.
According to a further aspect of the invention, a kind of computer readable storage medium is provided, computer is stored thereon with
Instruction, described instruction are performed the step of realizing the above method.
The positive effect of the present invention is that: each insurer or crowd are raised into participant as a node, record is thrown
Guarantor or crowd raise the payment information of participant can be certainly after the compensation requests that any one node is submitted in block chain are by audit
It is dynamic that indemnity in compensation requests is distributed into each node, the amount of money of the distribution is deducted from each node premium, and
Record the distribution information.Premium use process clearly can be traced, premium management it is transparent, can to avoid due to premium manage it is opaque
Caused premium using when carry out fraud imitation behavior the problem of, reach improve the insured's premium guarantees dynamics technology imitate
Fruit.Meanwhile participant is raised for crowd, the letter of raising money that each crowd raises participant can be recorded in detail using the publicly-owned block chain
Breath can raise user's refund, repayment amount and refund pair to the crowd according to the information of raising money of record when generation crowd raises refund
As clear, solves the problems, such as hardly possible of refunding in the prior art.
Detailed description of the invention
In order to illustrate more clearly of this specification one or more embodiment or technical solution in the prior art, below will
A brief introduction will be made to the drawings that need to be used in the embodiment or the description of the prior art, it should be apparent that, it is described below
Attached drawing is only some embodiments recorded in this specification, for those of ordinary skill in the art, is not paying creation
Property labour under the premise of, be also possible to obtain other drawings based on these drawings.
Fig. 1 is the mutual a kind of optional flow diagram for protecting method for processing business according to an embodiment of the present invention；
Fig. 2 is the mutual a kind of optional program module schematic diagram for protecting business processing device according to an embodiment of the present invention；
Fig. 3 is the mutual another optional program module schematic diagram for protecting business processing device according to an embodiment of the present invention；
Fig. 4 is a kind of optional hardware structure schematic diagram of computer equipment according to an embodiment of the present invention.
Specific embodiment
This specification embodiment provides one kind and mutually protects method for processing business, device, equipment and computer readable storage medium.
In order to make those skilled in the art more fully understand the technical solution in this specification, below in conjunction with this explanation
Attached drawing in book embodiment is clearly and completely described the technical solution in this specification embodiment, it is clear that described
Embodiment be only this specification a part of the embodiment, instead of all the embodiments.The embodiment of base in this manual,
Every other embodiment obtained by those of ordinary skill in the art without making creative efforts, all should belong to
The range of this specification protection.
Currently, mutually guarantor's business is usually initiated by third party, the user for participating in mutually protecting pays certain premium, by third party tube
All premiums are managed, when any mutually warranty family generates reparation, deduct indemnity from the premium.Since mutually the business of protecting is related to
Multiple users participate in, and the user compensated may be more, when third party manages the premium, do not carry out to the use of premium
Record in detail.Therefore, the premium that user uses not can be traced, and capital management is opaque, may cause premium and uses in the presence of fraud
Imitation behavior.
Each insurer or crowd can be raised to participant based on this, in this specification embodiment as a node, record
Insurer or many payment informations for raising participant can be with after the compensation requests that any one node is submitted in block chain are by audit
Automatically the indemnity in compensation requests is distributed into each node, the amount of money of the distribution is deducted from each node premium,
And record the distribution information.Premium use process clearly can be traced, premium management it is transparent, can to avoid due to premium manage it is impermeable
It is bright caused by premium using when carry out fraud imitation behavior the problem of.
A kind of a kind of specific embodiment for mutually protecting method for processing business of this specification introduced below.Fig. 1 is that this specification mentions
A kind of flow diagram of embodiment of mutual guarantor's method for processing business supplied, present description provides as described in embodiment or flow chart
Method operating procedure, but based on conventional or may include more or less operating procedure without creative labor.It is real
Applying the step of enumerating in example sequence is only one of numerous step execution sequence mode, does not represent and unique executes sequence.
When system in practice or client production execute, can be executed according to embodiment or method shown in the drawings sequence or
It is parallel to execute (such as environment of parallel processor or multiple threads).It is specific as shown in Figure 1, the method may include
Following steps S102~S104.
S102: providing the block chain network being made of multiple nodes, and the block chain network stores the multiple node
Nodal information.
In one embodiment, the block chain network can use alliance's chain network.That is, the node authorized is allowed to add
Enter network, and can check information according to permission.
In one embodiment, each participant of mutual guarantor's business can correspond in the block chain network one
The node of authorization.Each node can hold the block chain private key in the block chain network.It, can using the block chain private key
The file after public key encryption is utilized in the block chain network to check.
In one embodiment, the participant may include: at least one insurance company, at least one insurer and
At least one insurant.
In another embodiment, the participant can also include at least one beneficiary.
In one embodiment, the nodal information may include: information of insuring corresponding with the participant.The throwing
Breath information-preserving may include: premium.For example, nodal information can be the premium that the insurer is paid for insurer；For quilt
The insurer, nodal information can be the premium of the insurance products of the insurant.
In one embodiment, the multiple nodal information can be different or identical.That is, the corresponding throwing of each participant
The premium of guarantor can not be identical, can also be identical.
Further, the information of insuring can also include: insurer's identity information, insurant's identity information, insurance
Validity period etc..
S104: receiving the compensation requests issued by least one of the multiple node, when the compensation requests are audited
By when, distribute indemnity to each node in the block chain network, deduct the indemnity of each node simultaneously
Record the indemnity information.
In one embodiment, at least one node can issue compensation requests.Specifically, the reparation can be asked
It asks and is encrypted using the block chain public key, encrypted compensation requests are stored on block chain.
After any one node stores compensation requests in the block chain network, the block link network can be broadcasted
Other all nodes in network.Other all nodes in the block chain network can use the block chain private key and check institute
State encrypted reparation.
It in one embodiment, may include: reparation reason and indemnity in the compensation requests.
In one embodiment, the audit of the compensation requests can be realized by third party's service.Implement at one
In mode, the third party's service can be a privately owned block chain network.For example, the third party's service can be by described
The privately owned block chain network of insurer's composition in block chain network.It is examined when all nodes of the privately owned block chain network issue
When core is by the confirmation messages of the compensation requests, the compensation requests audit passes through.
In another embodiment, the compensation requests can also be audited by the block chain network.Specifically,
When nodes all in the block chain network issue confirmation message of the audit by the compensation requests, the compensation requests are examined
Core passes through.
When the compensation requests pass through, the indemnity can be distributed into each node.It can specifically include: according to
The indemnity is distributed to each node by preset rules.
In one embodiment, the preset rules can specifically include: indemnity described in mean allocation, basis are pre-
If weighted value distribute the indemnity, or distribute the indemnity according to the premium insured.
It is possible to further deduct the indemnity of the distribution from each node premium, and record the compensation
The distribution information of volume.
This specification also provides another embodiment for mutually protecting method for processing business.Compared with method shown in FIG. 1, the mutual guarantor
Method for processing business can also include step S106~S108.
S106: crowd is raised into user as crowd and is raised in the node addition block chain network, the section that the crowd raises node is recorded
Point information.
In one embodiment, each crowd, which raises user and can participate in, raises money, and participation can be used as crowd after raising money and raise node
It is added in the publicly-owned block chain.After the block chain network is added, the crowd, which raises node, can hold the block chain network
Private key, to check the file of the public key encryption using the block chain network stored in the block chain network.
It is possible to further record the nodal information that the crowd raises node.The nodal information that the crowd raises node may is that
The crowd raises the information of raising money of user.It can specifically include: time of withholing, deducted amount etc..
S108: when generation crowd raises refund, user is raised to the crowd according to the nodal information that the crowd of the record raises node
It refunds.
In one embodiment, the nodal information that the crowd according to the record raises node raises user also to the crowd
Money can specifically include: it is determined according to the deducted amount that the crowd raises node to the crowd and raises the repayment amount that user refunds, and
It returns the crowd and raises repayment amount described in user.
The certification of user account in one embodiment can know together mechanism using POS to realize.
Further, the method can also include: and can raise the crowd node to carry out interest distribution.
It can be seen that in the above-described embodiments, each insurer or crowd are raised participant as a node, record is insured
People or crowd raise the payment information of participant can be automatic after the compensation requests that any one node is submitted in block chain are by audit
Indemnity in compensation requests is distributed into each node, deducts the amount of money of the distribution from each node premium, and remember
Record the distribution information.Premium use process clearly can be traced, and premium management is transparent, can lead to avoid since premium management is opaque
The premium of cause using when carry out fraud imitation behavior the problem of, reach improve the insured's premium guarantee dynamics technical effect.
Meanwhile participant is raised for crowd, the information of raising money that each crowd raises participant can be recorded in detail using the publicly-owned block chain, when
When generation crowd raises refund, user's refund can be raised to the crowd according to the information of raising money of record, repayment amount and refund object are clear
It is clear, solve the problems, such as hardly possible of refunding in the prior art.
On the other hand this specification also provides and mutually protects business processing device.Fig. 2 is mutual guarantor's industry according to an embodiment of the present invention
A kind of optional program module schematic diagram for processing unit of being engaged in.As shown in Fig. 2, mutual guarantor's business processing device 200 can wrap
Include: block chain network provides module 220 and reparation module 240.
The block chain network provides module 220, may be used to provide the block chain network being made of multiple nodes, described
Block chain network stores the nodal information of the multiple node.
In one embodiment, the block chain network can use alliance's chain network.That is, the node authorized is allowed to add
Enter network, and can check information according to permission.
In one embodiment, each participant of mutual guarantor's business can correspond in the block chain network one
The node of authorization.The participant may include: at least one insurance company, at least one insurer and at least one insured
People.
In one embodiment, the nodal information may include: the premium insured corresponding with the participant.
The reparation module 240 can be used for receiving the compensation requests issued by least one of the multiple node,
When compensation requests audit passes through, indemnity is distributed to each node in the block chain network, deducts each section
The indemnity of point simultaneously records the indemnity information.
It in one embodiment, may include: reparation reason and indemnity in the compensation requests.
The audit of the compensation requests can be realized by third party's service, can also be examined by the block chain network
Core.
In one embodiment, each node distribution indemnity in the block chain network may include:
The indemnity is distributed into each node according to preset rules.It specifically, can be pre- with indemnity described in mean allocation, basis
If weighted value distribute the indemnity, or distribute the indemnity according to the premium insured.
Fig. 3 is the mutual another optional program module schematic diagram for protecting business processing device according to an embodiment of the present invention.Ginseng
According to Fig. 3, compared with business processing device 200 illustrated in fig. 2, the business processing device 200 can also include: that crowd raises node
Logging modle 260 and crowd raise refund module 280.
The crowd raises nodes records module 260, can be used for crowd raising user as crowd and raises the node addition block chain
In network, the nodal information that the crowd raises node is recorded.
Wherein, the nodal information that the crowd raises node may is that the crowd raises the information of raising money of user.Specifically it can wrap
It includes: time of withholing, deducted amount etc..
The crowd raises refund module 280, can be used for raising node according to the crowd of the record when generation crowd raises refund
Nodal information raises user's refund to the crowd.It can specifically include: being determined according to the deducted amount that the crowd raises node to described
Crowd raises the repayment amount of user's refund, and returns the crowd and raise repayment amount described in user.
This specification embodiment provide above-mentioned mutual guarantor's method for processing business or device can in computer equipment by
Reason device executes corresponding program instruction to realize, such as using the c++ language of windows operating system the end PC realize or other
Such as it is realized using android, iOS system programming language in intelligent terminal, and the processing based on quantum computer is patrolled
Collect realization etc..As shown in figure 4, Fig. 4 is a kind of optional hardware structure signal of computer equipment according to an embodiment of the present invention
Figure.In hardware view, which may include processor, internal bus, transmission module and memory.The memory
It may include memory and nonvolatile memory.Processor read from nonvolatile memory corresponding computer program to
It is then run in memory, forms word string identification device on logic level.It will appreciated by the skilled person that Fig. 4 institute
The structure shown is only to illustrate, and does not cause to limit to the structure of above-mentioned computer equipment.For example, the computer equipment may be used also
It including component more or more less than shown in Fig. 4, such as can also include other processing hardware, such as GPU (Graphics
Processing Unit, image processor), or with the configuration different from shown in Fig. 4.Certainly, in addition to software realization mode
Except, other implementations, such as logical device or the mode of software and hardware combining etc. is not precluded in the application, that is to say, that
The executing subject of process flow is not limited to each logic unit, is also possible to hardware or logical device.
Specifically, on the other hand this specification also provides a kind of computer readable storage medium, it is stored thereon with computer
Instruction, described instruction are performed the step of realizing the above method.
In this specification embodiment, the processor may include central processing unit (CPU) or graphics processor
(GPU), naturally it is also possible to including other single-chip microcontroller, logic gates, integrated circuits with logic processing capability etc. or its
It is appropriately combined.Memory described in the embodiment of the present application can be for protecting stored memory device.In digital display circuit, energy
The equipment for saving binary data can be memory；In integrated circuits, one not physical form have store function
Circuit may be memory, such as RAM, FIFO；In systems, the storage equipment with physical form can also be named storage
Device etc..When realization, which can also be realized by the way of cloud storage, specific implementation, and this specification is not
Mistake limits.
It can be seen that the reality of mutual guarantor's business processing device of this specification offer, equipment and computer readable storage medium
Applying the embodiment of the method in example and this specification is to be based on same innovation thinking, therefore, the mutual Bao Yewuchu that this specification provides
Reason device, equipment and the technology effect that embodiment of the method in specification may be implemented with the embodiment of computer readable storage medium
Fruit.
It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims
It is interior.In some cases, the movement recorded in detail in the claims or step can be come according to the sequence being different from embodiment
It executes and desired result still may be implemented.In addition, process depicted in the drawing not necessarily require show it is specific suitable
Sequence or consecutive order are just able to achieve desired result.In some embodiments, multitasking and parallel processing be also can
With or may be advantageous.
In the 1990s, the improvement of a technology can be distinguished clearly be on hardware improvement (for example,
Improvement to circuit structures such as diode, transistor, switches) or software on improvement (improvement for method flow).So
And with the development of technology, the improvement of current many method flows can be considered as directly improving for hardware circuit.
Designer nearly all obtains corresponding hardware circuit by the way that improved method flow to be programmed into hardware circuit.Cause
This, it cannot be said that the improvement of a method flow cannot be realized with hardware entities module.For example, programmable logic device
(Programmable Logic Device, PLD) (such as field programmable gate array (Field Programmable Gate
Array, FPGA)) it is exactly such a integrated circuit, logic function determines device programming by user.By designer
Voluntarily programming comes a digital display circuit " integrated " on a piece of PLD, designs and makes without asking chip maker
Dedicated IC chip.Moreover, nowadays, substitution manually makes IC chip, this programming is also used instead mostly " is patrolled
Volume compiler (logic compiler) " software realizes that software compiler used is similar when it writes with program development,
And the source code before compiling also write by handy specific programming language, this is referred to as hardware description language
(Hardware Description Language, HDL), and HDL is also not only a kind of, but there are many kind, such as ABEL
(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description
Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL
(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby
Hardware Description Language) etc., VHDL (Very-High-Speed is most generally used at present
Integrated Circuit Hardware Description Language) and Verilog.Those skilled in the art also answer
This understands, it is only necessary to method flow slightly programming in logic and is programmed into integrated circuit with above-mentioned several hardware description languages,
The hardware circuit for realizing the logical method process can be readily available.
Controller can be implemented in any suitable manner, for example, controller can take such as microprocessor or processing
The computer for the computer readable program code (such as software or firmware) that device and storage can be executed by (micro-) processor can
Read medium, logic gate, switch, specific integrated circuit (Application Specific Integrated Circuit,
ASIC), the form of programmable logic controller (PLC) and insertion microcontroller, the example of controller includes but is not limited to following microcontroller
Device: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320 are deposited
Memory controller is also implemented as a part of the control logic of memory.It is also known in the art that in addition to
Pure computer readable program code mode is realized other than controller, can be made completely by the way that method and step is carried out programming in logic
Controller is obtained to come in fact in the form of logic gate, switch, specific integrated circuit, programmable logic controller (PLC) and insertion microcontroller etc.
Existing identical function.Therefore this controller is considered a kind of hardware component, and to including for realizing various in it
The device of function can also be considered as the structure in hardware component.Or even, it can will be regarded for realizing the device of various functions
For either the software module of implementation method can be the structure in hardware component again.
Device, module or the unit that above-described embodiment illustrates can specifically be realized, Huo Zheyou by computer chip or entity
Product with certain function is realized.It is a kind of typically to realize that equipment is computer.Specifically, computer for example can be a
People's computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media player, navigation
Any equipment in equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment
Combination.
For convenience of description, it is divided into various units when description apparatus above with function to describe respectively.Certainly, implementing this
The function of each unit can be realized in the same or multiple software and or hardware when specification.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, apparatus or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more,
The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces
The form of product.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (device) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net
Network interface and memory.
Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or
The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium
Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage, graphene stores or other
Magnetic storage device or any other non-transmission medium, can be used for storage can be accessed by a computing device information.According to herein
In define, computer-readable medium does not include temporary computer readable media (transitory media), such as the data of modulation
Signal and carrier wave.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability
It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap
Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want
There is also other identical elements in the process, method of element, commodity or equipment.
It will be understood by those skilled in the art that the embodiment of this specification can provide as method, apparatus or computer program production
Product.Therefore, complete hardware embodiment, complete software embodiment or implementation combining software and hardware aspects can be used in this specification
The form of example.Moreover, it wherein includes the computer of computer usable program code that this specification, which can be used in one or more,
The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces
The form of product.
This specification can describe in the general context of computer-executable instructions executed by a computer, such as journey
Sequence module.Generally, program module include routines performing specific tasks or implementing specific abstract data types, programs, objects,
Component, data structure etc..This specification can also be practiced in a distributed computing environment, in these distributed computing environment
In, by executing task by the connected remote processing devices of communication network.In a distributed computing environment, program module
It can be located in the local and remote computer storage media including storage equipment.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for device and
For server example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to side
The part of method embodiment illustrates.
The foregoing is merely the embodiments of this specification, are not limited to this specification.For art technology
For personnel, this specification can have various modifications and variations.It is all made any within the spirit and principle of this specification
Modification, equivalent replacement, improvement etc., should be included within scope of the claims.
Claims (10)
1. a kind of mutually protect method for processing business, which comprises the steps of:
The block chain network being made of multiple nodes is provided, the block chain network stores the nodal information of the multiple node；
The compensation requests issued by least one of the multiple node are received, it is right when compensation requests audit passes through
Each node in the block chain network distributes indemnity, deducts the indemnity of each node and records the compensation
Repay amount information.
2. the method according to claim 1, wherein each participant of mutual guarantor's business corresponds to the block
The node of an authorization in chain network；The participant includes: at least one insurance company, at least one insurer and at least one
A insurant.
3. according to the method described in claim 2, it is characterized in that, the nodal information includes: throwing corresponding with the participant
Breath information-preserving.
4. the method according to claim 1, wherein the audit of the compensation requests is by third party's service Lai real
It is existing, alternatively, the compensation requests are audited by the block chain network.
5. the method according to claim 1, wherein each node in the block chain network is distributed and is paid for
Indemnity volume includes: indemnity described in mean allocation, distributes the indemnity according to preset weighted value, or according to insuring
Premium distribute the indemnity.
6. the method according to claim 1, wherein further include:
Crowd is raised user as crowd to raise in the node addition block chain network, records the nodal information that the crowd raises node；
When generation crowd raises refund, user's refund is raised to the crowd according to the nodal information that the crowd of the record raises node.
7. a kind of mutually protect business processing device characterized by comprising
Block chain network provides module, for providing the block chain network being made of multiple nodes, the block chain network storage
The nodal information of the multiple node；
Module is compensated, for receiving the compensation requests issued by least one of the multiple node, when the compensation requests
When audit passes through, indemnity is distributed to each node in the block chain network, deducts the compensation of each node
Volume simultaneously records the indemnity information.
8. device according to claim 7, which is characterized in that further include:
Crowd raises nodes records module, raises in the node addition block chain network for crowd to be raised user as crowd, described in record
Crowd raises the nodal information of node；
Crowd raises refund module, for when crowd occurring raising refund, raises the nodal information of node to described according to the crowd of the record
Crowd raises user's refund.
9. a kind of computer equipment, including memory and processor, wherein the processor requires in 1 to 6 for perform claim
The step of any one the method.
10. a kind of computer readable storage medium, is stored thereon with computer instruction, which is characterized in that described instruction is performed
The step of Shi Shixian any one of claims 1 to 6 the method.
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| CN201811534714.5A CN109872239A (en) | 2018-12-14 | 2018-12-14 | Mutually protect method for processing business, device, equipment and computer readable storage medium |
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| CN201811534714.5A CN109872239A (en) | 2018-12-14 | 2018-12-14 | Mutually protect method for processing business, device, equipment and computer readable storage medium |
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